Method for initiating performing a payment transaction and a system for implementing thereof

Abstract

The invention relates to the field of technical infrastructures that provide for performing financial transactions between economic entities, in particular to payment systems that provide for, on the one hand, convenience and simplicity of a payment process, and on the other hand its security. The claimed invention is a method for initiating performing a payment transaction and a system for implementing thereof, implementation of which ensures the achievement of a technical result, which consists in simplifying the process of installation, adjustment, debugging and maintenance of the system, reducing the likelihood of the occurrence of errors, failures and faults in its operation, allowing to accurately determine which of the users' mobile devices is closer to the payment terminal device than the rest in the conditions when the users queue up, as well as optimizing the set of software and hardware used for the task of initiating performing a payment transaction without having to pick up the mobile device.

The invention claimed is: 
     
       1. A method for initiating performing a payment transaction comprising
 exchanging of radio signals between a payment terminal device and each user's mobile device from a group of users' mobile devices located within a range of a transceiver of the payment terminal device, and between each pair of the mobile devices from the group; 
 determining a relative position of the mobile devices with respect to the payment terminal device using parameters of the radio signals; 
 selecting a mobile device from the group based on the determined relative position of the mobile devices and the payment terminal device; 
 and initiating performing a payment transaction using the selected mobile device and the payment terminal device, 
 characterized in that 
 a direction of the radio signals and a strength of the radio signals are used as the parameters of the radio signals, 
 and the mobile device for which the following conditions are fulfilled is selected: 
 the direction of the radio signal transmitted by this mobile device to the payment terminal device does not coincide with any of the directions of the radio signals transmitted by this mobile device to other mobile devices from the pairs including this mobile device, or the direction of the radio signal received by this mobile device from the payment terminal device does not coincide with any of the directions of the radio signals received by this mobile device from other mobile devices from the pairs including this mobile device; 
 the value of the strength of the radio signal received by the payment terminal device from this mobile device is above a preset threshold, or the value of the strength of the radio signal transmitted by the payment terminal device to this mobile device is above a preset threshold value; 
 and the direction of the radio signal received by the payment terminal device from this mobile device coincides with the direction of the radio signals received by the payment terminal device from the mobile devices, which is preset in the payment terminal device, or the direction of the radio signal transmitted by the payment terminal device to this mobile device coincides with the direction of the radio signals transmitted by the payment terminal device to the mobile devices, which is preset in the payment terminal device. 
 
     
     
       2. The method according to  claim 1 , wherein the direction is set by an angle in the range of 5-40 degrees. 
     
     
       3. The method according to  claim 1 , wherein such a threshold value of the strength of the radio signal is set that it is ensured that the threshold value is exceeded when the mobile device approaches a distance of 1-3 meters from the payment terminal device. 
     
     
       4. The method according to  claim 1 , wherein the exchanging of the radio signals is carried out using a set of antennas included in the transceiver of the payment terminal device and sets of antennas included in the transceiver of each mobile device from the group, and the direction of the radio signals is determined using an “angle of arrival” (AoA) and/or “angle of departure” (AoD) methods. 
     
     
       5. The method according to  claim 4 , wherein the exchanging of the radio signals is carried out using the Bluetooth protocol. 
     
     
       6. The method according to  claim 1 , wherein a smartphone and/or a smart card configured to operate in an active radio communication mode are/is used as a mobile device. 
     
     
       7. A system for performing a payment transaction comprising
 a group of users' mobile devices and a payment terminal device, 
 each of which includes at least one processor, a transceiver controlled by the at least one processor and at least one computer-readable medium connected to the processor, including program instructions executed by the processor, 
 wherein the program instructions of the mobile devices provide for 
 an exchanging of radio signals between each pair of the mobile devices located within a range of the transceiver of the payment terminal device, 
 and the program instructions of the payment terminal device together with the program instructions of the mobile devices provide for 
 the exchanging of radio signals between the payment terminal device and each mobile device from the group of the mobile devices located within the range of the transceiver of the payment terminal device, 
 determining a relative position of the mobile devices with respect to the payment terminal device using parameters of the radio signals; 
 selecting a mobile device from the group based on the determined relative position of the mobile devices and the payment terminal device; 
 and initiating performing a payment transaction using the selected mobile device and the payment terminal device, 
 characterized in that 
 a direction of the radio signals and a strength of the radio signals are used as the parameters of the radio signals, 
 and the program instructions providing for selecting a mobile device from the group include the instructions that provide for selecting a mobile device for which the following conditions are fulfilled: 
 the direction of the radio signal transmitted by this mobile device to the payment terminal device does not coincide with any of the directions of the radio signals transmitted by this mobile device to other mobile devices from the pairs including this 
 mobile device, or the direction of the radio signal received by this mobile device from the payment terminal device does not coincide with any of the directions of the radio signals received by this mobile device from other mobile devices from the pairs including this mobile device; 
 the value of the strength of the radio signal received by the payment terminal device from this mobile device is above a preset threshold value, or the value of the strength of the radio signal transmitted by the payment terminal device to this mobile device is above a preset threshold value; 
 and the direction of the radio signal received by the payment terminal device from this mobile device coincides with the direction of the radio signals received by the payment terminal device from the mobile devices, which is preset in the payment terminal device, or the direction of the radio signal transmitted by the payment terminal device to this mobile device coincides with the direction of the radio signals transmitted by the payment terminal device to the mobile devices, which is preset in the payment terminal device. 
 
     
     
       8. The system according to  claim 7 , wherein the direction of the radio signal is set by an angle in the range of 5-40 degrees. 
     
     
       9. The system according to  claim 7 , wherein the threshold value of the strength of the radio signal is set such that it is ensured that the threshold value is exceeded when the mobile device approaches a distance of 1-3 meters from the payment terminal device. 
     
     
       10. The system according to  claim 7 , wherein the transceivers of the mobile devices and of the payment terminal device comprise sets of antennas, and the program instructions of the mobile devices and of the payment terminal device include the instructions providing for determining the direction of the radio signals using an “angle of arrival” (AoA) and/or “angle of departure” (AoD) methods. 
     
     
       11. The system according to  claim 10 , wherein the transceivers of the mobile devices and of the payment terminal device are configured to exchange the radio signals via the Bluetooth protocol. 
     
     
       12. The system according to  claim 7 , wherein the mobile device is a smartphone and/or a smart card configured to operate in an active radio communication mode.